NRMA Travel Insurance Review

NRMA Travel Insurance is a collaborative product managed by Zurich Australian Insurance Limited (ZAIL) and Cover-More Insurance Services Pty Ltd. ZAIL, a Zurich Financial Services Australia subsidiary, underwrites the policies.

Cover-More is responsible for arranging and administering the policies, overseeing customer service, policy distribution, and claims processing. Promoted and distributed by NRMA Insurance, a brand of Insurance Australia Limited (IAL), this partnership uses the underwriting strength of ZAIL and the administrative expertise of Cover-More.

IAL is supported by Insurance Australia Group (IAG), one of the leading general insurers in Australia and New Zealand, and it enhances NRMA’s strong market presence. Together, these entities provide a robust framework, ensuring customers receive reliable and comprehensive travel insurance solutions.

🔎 Date Established	1926
🏦 Headquartered	Sydney, Australia
🛡️ Regulation and Compliance	Underwritten by Zurich Australian Insurance Limited, regulated by APRA
⭐ Type of Travel Insurance Plans Offered	International Comprehensive, International Essentials, Annual Multi-Trip, Domestic Comprehensive, Domestic Cancellation
💛 Key Cover Areas	Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation
🚨 Emergency Assistance Services	24/7 emergency hotline, multilingual support, assistance for medical and non-medical needs
🤕 COVID-19 Cover	Covers trip cancellations, medical costs, quarantine expenses under specific conditions
💶 Maximum Cover Limits	Unlimited medical expenses for the Comprehensive Plan, up to $10 million for the Essentials Plan
🏈 Adventure and Sports Cover	Cover for high-risk activities like skiing, scuba diving, and trekking available with additional premiums
🖱️ Claims Submission Process	Online claims portal and postal submission options, required documents include receipts and reports
⏰ Average Claim Settlement Time	Aimed to respond within 10 working days after claim submission
🥰 Customer Support Availability	Daily support from 7 am to 10 pm AEDST (NSW, QLD, ACT, TAS), varying hours in other states
📲 Mobile App and Digital Services	NRMA app is available for policy management, claims tracking, and payment notifications
📊 Customer Reviews and Ratings	Generally high ratings for customer service and claim handling
📈 Annual Premium Range	From $52 per month for Domestic Cancellations to $204 per month for International plans
📉 Exclusions and Limitations	Excludes cover for pre-existing medical conditions not declared, travel against advice, and some natural disasters
🎉 Discounts and Promotions	Discounts available for existing policyholders, multi-policy discounts, and seasonal promotions
💹 Policy Limits and Flexibility	Customizable cover limits for cancellation, flexibility in policy duration and travel frequency
🌎 Global Reach and Market Presence	Offers cover destinations worldwide, recognized in Australia and New Zealand markets

NRMA Plan Comparison and Overview

🔎 Plan Option	📉 Features	📈 Min and Max Premium	📊 Cover Limits	❌ Exclusions	💚 Ideal For	🚨 Emergency Assistance	📲 Mobile App Offered	🎉 Discounts Available
🥇 International Comprehensive	Extensive cover, medical, cancellation, baggage	From $204 per month	Unlimited medical, $12k luggage	Pre-existing conditions, risky activities	Frequent international travellers	✅Yes	✅Yes	✅Yes
🥈 International Essentials	Essential cover, limited medical, basic baggage	From $204 per month	$10m medical, $5k luggage	Pre-existing conditions, risky activities	Budget-conscious international travellers	✅Yes	✅Yes	✅Yes
🥉 Annual Multi-Trip	Unlimited trips, comprehensive cover	From $180 per month	Based on Comprehensive Plan	Pre-existing conditions, risky activities	Frequent travellers who take multiple trips	✅Yes	✅Yes	✅Yes
🏅 Domestic Comprehensive	Cover within Australia, cancellation, baggage	From $178 per month	$8k luggage, $10k additional expenses	Medical in Australia, pre-existing conditions	Domestic travellers	✅Yes	✅Yes	✅Yes
🎖️ Domestic Cancellation	Covers trip cancellation, amendment costs	From $52 per month	Customisable based on trip cost	Medical in Australia, pre-existing conditions	Domestic travellers, cancellation concerns	✅Yes	✅Yes	✅Yes

Travel Insurance Plans and Cover Options

International Comprehensive Plan

This plan has extensive protection for travelers going overseas. It includes unlimited medical expenses, ensuring travelers can access necessary healthcare without worrying about costs.

Covers all approved medical and hospital costs abroad.
Offers up to $12,000 for lost, stolen, or damaged items.
Customizable cover to protect against non-refundable trip expenses.
Up to $10,000 to cover the excess in case of damage or theft on rental vehicles.
Up to $2.5 million for accidental damage to property or injury to others.

The plan also covers significant areas such as cancellation costs, luggage protection, and personal liability.

International Essentials Plan

Focused on essential protections, this plan is for cost-conscious travelers.

Rental Car Insurance Excess of up to $5,000.
Customizable to protect against prepaid trip expenses.
Covers up to $10 million in medical costs.
Provides up to $5,000 for personal belongings.

It offers substantial medical expense coverage and basic protection for luggage and cancellations.

Domestic Comprehensive Plan

Designed for travel within Australia, this plan offers extensive cover for cancellations, personal belongings, and rental vehicles.

Rental Car Insurance Excess covers up to $10,000.
Protection up to $5 million for accidental damage or injury in terms of personal liability.
Unlimited cover for trip cancellations or amendments.

Moreover, it offers up to $8,000 for lost or damaged luggage and personal items.

Domestic Cancellation Plan

This plan covers financial loss from trip cancellations or amendments.

Customizable to match the value of prepaid, non-refundable expenses.
The cover is adaptable according to individual traveler needs.

Key Features and Benefits of NRMA Travel Insurance

NRMA Travel Insurance’s benefits and unique features suit all travel needs and ensure comprehensive protection via unique selling points, optional add-ons, family-friendly policies, and specific COVID-19-related cover.

Unique Selling Points

Unlimited Overseas Medical Expenses

Available under the International Comprehensive plan.

24-Hour Emergency Assistance

Multilingual support is available globally for medical emergencies and travel disruptions.

Flexible Premiums and Excess Options

Lets travelers adjust premiums based on selected excess to make policies more affordable.

Special Events Cover

Provides up to $2,000 for additional transport costs if delays prevent attendance at significant events like weddings or conferences.

Rental Car Insurance Excess

Covers up to $10,000 for damage or theft of rental vehicles to reduce out-of-pocket expenses.

Customizable Cancellation Cover

Travelers can tailor their cancellation cover to match the value of their trip.

High Limits for Personal Belongings

Comprehensive plans offer up to $12,000 for lost, stolen, or damaged luggage and personal effects.

Personal Liability Protection

Offers high limits of up to $2.5 million under the Comprehensive plan for accidental damage or injury claims.

Add-On Options

NRMA Travel Insurance provides some of the following optional extras to enhance cover:

Snow Sports Cover

Offers protection for skiing, snowboarding, and other winter sports activities, covering equipment damage and medical costs.

High-Value Items Cover

Allows additional cover for expensive items such as jewelry, cameras, and electronics.

Cruise Cover

Extends benefits to include cruise-specific risks like missed port departures, onboard medical treatment, and sea sickness.

Family and Group Travel Benefits

NRMA’s family-friendly policies offer some of the following benefits:

Dependent Children Cover

Children under 21 traveling with a parent, grandparent, or guardian are included in the policy at no extra cost.

Annual Multi-Trip Plans

Ideal for families or groups who travel frequently, covering unlimited trips within a year, with options for trips lasting up to 60 days each.

COVID-19 and Pandemic-Related Cover

NRMA has adapted its policies to address the COVID-related incidents with some of the following:

Medical Expenses: Comprehensive and Essentials plans include cover for COVID-19-related medical treatments, with limits of up to $10 million under the Essentials plan and unlimited under Comprehensive.
Cancellation Cover: Protects against trip cancellations due to COVID-19 disruptions, such as illness or travel restrictions, with specific conditions outlined in the policy.

Moreover, Claims related to known epidemics, pandemics, or infectious disease outbreaks might be excluded unless specified.

NRMA Travel and Health Cover – What You Need to Know

NRMA covers stable conditions like asthma and controlled high blood pressure without extra evaluation. Chronic conditions like heart disease or diabetes need a health assessment, which may incur additional costs. Conditions linked to drug/alcohol dependency or travel against medical advice are excluded.

To assess coverage, travelers submit their medical details and supporting documents online. NRMA reviews the info and advises on coverage, costs, or exclusions.

Pregnancy-related claims are limited. NRMA covers complications up to 24 weeks of pregnancy, excluding childbirth and newborn care. Multiple pregnancies or those from fertility treatments need an assessment.

Hospital incidentals are reimbursed up to $8,000 (International Comprehensive) or $1,000 (International Essentials) with a minimum 48-hour hospital stay.

Pricing, Premiums, and Value for Money

NRMA Travel Insurance offers a structured pricing model, and premiums are calculated based on different factors.

General Pricing

Several key variables influence premiums for NRMA Travel Insurance:

Higher-risk areas generally attract higher premiums due to the increased likelihood of claims.
Longer trips increase the likelihood of claims, thereby raising the cost.
Older travelers typically face higher premiums due to elevated health risks.
Comprehensive plans offer more coverage, leading to higher premiums than Essentials plans.

Excess Options

The excess selected directly impacts both premium costs and claims handling:

A higher excess reduces the premium but requires a larger out-of-pocket contribution when making a claim.
A lower excess results in higher premiums but minimizes the cost borne by the insured in the event of a claim.

Available Excess Options

$250 (default for most plans)
Higher or lower levels, depending on individual preference, affect the overall premium.

Price to Cover Ratios

The value derived from NRMA’s insurance plans is evident in the balance between premiums paid and the cover provided:

International Essentials Plan: Offers substantial cover for core travel needs, such as overseas medical expenses up to $10 million, at a lower premium. Ideal for budget-conscious travelers.
International Comprehensive Plan: Provides extensive benefits, including unlimited medical expenses and higher limits for luggage and personal effects.

While premiums are higher, the comprehensive nature of the cover offers significant peace of mind and broader protection.

NRMA Travel Insurance Discounts and Incentives

NRMA Travel Insurance has discounts and incentives to enhance the value for customers. These benefits reward loyalty and encourage participation in feedback initiatives.

Existing Customer Discount

Customers with active NRMA policies can save up to 5% on new travel insurance policies. The discount applies to the total premium, including government charges, and is available to those holding other NRMA insurance products such as car or home insurance.

Time-Limited Promotions

NRMA occasionally offers promotional discounts. While specific offers vary, these provide percentage-based reductions on premiums for new policyholders.

Ongoing Incentives

Certain discounts are available periodically, rewarding new and returning customers. Details of offers are communicated through NRMA’s official channels.

Survey Participation Rewards

Customers can participate in surveys or online discussions through NRMA’s research community. Each participation provides entry into a draw to win a $100 gift card, offering a direct incentive for providing feedback.

How Do I Apply For Travel Insurance with NRMA?

Applying for NRMA Travel Insurance involves a few steps, with additional considerations for health assessments and documentation requirements.

1. Step 1: Get a Quote

Visit the NRMA website and use the online quote tool.

2. Step 2: Enter Travel Details

Provide your trip dates, destination, and traveler information.

3. Step 3: Choose a Plan

Select between Single Trip, Annual Multi-Trip, or Comprehensive coverage.

4. Step 4: Health Assessment

If you have pre-existing conditions, complete the online health assessment and provide specific diagnoses (not just medications). Additional premiums may apply if approved.

5. Step 5: Enter Personal Information

Fill in your name, date of birth, and contact details.

6. Step 6: Review Travel Details

Confirm trip duration and destination are accurate.

7. Step 7: Select Coverage

Choose the appropriate cover for your needs (domestic, international, adventure activities, etc.).

8. Step 8: Review and Confirm

Double-check policy details and personal info.

9. Step 9: Make Payment

Complete the payment online.

After payment, you’ll receive a Certificate of Insurance with your coverage details. Existing NRMA members get up to a 5% discount if the policy is purchased online.

Key Documentation and Submission

Personal Identification and Travel Details

Ensure you have accurate information on hand.

Medical Documentation

Those declaring pre-existing conditions must provide a detailed medical history.

Submission of Product Disclosure Statement (PDS)

Review the PDS as it outlines your policy’s terms, conditions, and exclusions.

Additional Considerations

Ensure you are eligible for cover and comply with NRMA’s policy conditions as detailed in the PDS.
Review plan details, especially for frequent travelers considering the Annual Multi-Trip policy.

Understand that some add-on adventure activities like outdoor rock climbing are not covered unless specified.

How Can I Claim For Travel Insurance with NRMA?

Filing a claim with NRMA Travel Insurance requires a few easy steps and submitting the required documentation as proof of the claim. Here’s how you can do it:

How to Submit a Claim

Online Submission

Access the NRMA Travel Insurance website and navigate to the claims section.
Complete the online form and upload all required documents, such as receipts, police reports, or medical certificates, directly through the system for quicker processing.

Postal Submission

Download the claim form from the NRMA website.
Complete the claim form and send it with original supporting documents to the Cover-More Claims Department in North Sydney, NSW.

Important Note: Submit your claim as soon as possible, ideally within 60 days of your return. Delays may affect the processing time.

Supporting Documentation

The type of documentation required depends on the nature of the claim:

Medical Claims

Medical certificates and receipts for treatment.
Any pre-approval documents if expenses exceed $2,000.

Luggage Claims

Receipts or proof of ownership for lost or damaged items.
Police report for stolen items.

Cancellation Claims

Proof of non-refundable expenses (e.g., flight and accommodation receipts).
Documentation for the reason for cancellation (e.g., medical certificate).

Can I add more than one person to my NRMA Travel Insurance Policy?

NRMA Travel Insurance covers children, spouses, and other family members under a single policy, subject to certain criteria and conditions.

Inclusion of Children

Children can be included in a parent’s, grandparent’s, or legal guardian’s policy if they meet the following requirements:

Must be under 21 years old.
Must be financially dependent on the policyholder.
Must be traveling with the policyholder.

If a child travels independently, the parent, grandparent, or guardian must purchase a separate policy.

Inclusion of Spouses and Other Family Members

While specific criteria for spouses and other family members aren’t explicitly detailed, NRMA’s plans accommodate multiple travelers

Family members living in the same household can be included in a single policy.
If family members reside separately, they need individual policies.

Policy Options for Families

NRMA provides travel insurance plans suitable for family cover:

International Travel Insurance: Offers Comprehensive and Essential plans for overseas trips.
Domestic Travel Insurance: Includes Cancellation Only and Comprehensive plans for travel within Australia.
Annual Multi-Trip Plans: Covers multiple trips within a year, with options for 30, 45, or 60-day durations per trip.

Adding Members to Your Policy

To include additional members:

During Application

Provide detailed information for each traveler: name, date of birth, trip cost, residence, contact details, destination, and trip deposit date.

Policy Amendment

Contact NRMA customer service to add members after the policy purchase. Submit any required documentation as requested.

NRMA Travel Insurance Upgrades and Downgrades

NRMA Travel Insurance lets policyholders upgrade or downgrade their policy. Each option impacts premiums and cover levels differently, and it’s important to understand the implications before making changes.

Upgrading Cover

You can upgrade to a more comprehensive plan or add optional extras such as higher cover limits or additional activities like snow sports. Here’s how you can do this:

Contact NRMA customer service via phone or visit a local branch.
Discuss available upgrade options and select the enhancements.
Provide any additional information or documents as requested.

Considerations with Upgrades

Upgrading cover typically results in higher premiums.
You can get broader cover, higher limits, and additional protections tailored to your travel needs.

Downgrading Cover

Downgrading involves reducing the level of cover or removing optional extras to lower the cost. Here’s how you can downgrade:

Initiate the downgrade by contacting NRMA customer service.
Review the new policy terms and confirm the changes.

Remember that some adjustments might not be allowed after the policy has started.

Considerations in terms of Downgrades

Premium Reduction: Downgrading decreases the premium.
Reduced Benefits: Lower cover limits and fewer benefits apply. Thus, you must ensure the new policy still meets your essential needs.

NRMA Digital Tools and Apps

NRMA Travel Insurance offers digital tools to simplify policy management, claims processing, and access to rewards, all through a convenient app and rewards platform.

NRMA Insurance App

The NRMA Insurance app provides a range of features to help customers manage their travel insurance efficiently:

Access and review all active insurance policies.
Easily download policy documents and cover details.
Submit claims directly through the app with the ability to upload supporting documents.
Monitor the status of submitted claims in real time.
Manage and schedule premium payments, including setting up direct debit.
Make changes to policy details, such as cover level or personal information.

Help Hub

Help Hub is a rewards program integrated into the NRMA app, offering multiple ways to engage and benefit:

Participate in activities to accumulate Help Points, which can be redeemed for eGift cards.
Complete challenges designed to encourage safer travel practices.
Monitor earned points and redeemed rewards.
Access special offers available only to Help Hub members.
Get expedited support for insurance inquiries through the app.
Receive notifications about severe weather conditions in your area.
Manage and update your Help Hub profile and preferences.
Join discussions and provide feedback to shape NRMA services.

Usage and Accessibility

The NRMA Insurance app is designed for easy access and broad functionality:
Available on both iOS and Android via the App Store and Google Play.
Intuitive design for easy navigation and task management.
Easily handle tasks from policy updates to claim tracking, all in one place.
Includes options to assist users with various accessibility needs, ensuring inclusivity.

How to Switch to NRMA Travel Insurance

If you want to switch to NRMA Travel Insurance, you must cancel your current policy and start a new one with NRMA. Here’s a step-by-step guide to ensure a smooth transition.

Review Existing Policy Terms

Check your current insurer’s cancellation terms, including any applicable cooling-off period and potential fees. Note any conditions for refunds or prorated returns on unused premiums.

Initiate Cancellation

Contact your existing insurer to request policy cancellation. Follow their procedures like submitting a formal request via phone, email, or mail.

Get a Quote

Visit the NRMA Travel Insurance website or contact customer service for a quote tailored to your travel needs. Enter details like travel dates, destinations, and number of travelers to select the appropriate plan.

Purchase the Policy

Choose the cover level and complete the purchase online or using a customer service representative. NRMA offers a 21-day cooling-off period, allowing you to cancel the new policy for a full refund, provided no claims are made and the trip hasn’t started.

Exclusions and Limitations of NRMA Travel Insurance

RMA Travel Insurance has exclusions, policy limits, waiting periods, and conditions that can affect claims. You must understand these details to ensure you know the boundaries of your cover.

Major Exclusions

NRMA Travel Insurance doesn’t cover all scenarios and conditions. Key exclusions include:

There’s no cover for destination trips with official “Do not travel” warnings.
Claims related to pandemics, such as COVID-19, are generally excluded unless specifically covered under certain provisions.
Conditions not disclosed or approved during the health assessment are excluded.
Claims from participation in illegal activities or reckless behavior.
Incidents resulting from war, terrorism, or civil disturbances.
Injuries or losses resulting from self-harm or suicide attempts.

Policy Limits

NRMA imposes maximum benefit limits on various claims. Some notable limits include:

🔎 Benefit	📊 Limit per Claim
🌎 Overseas Medical Expenses	Unlimited (Comprehensive Plan)
⭐ Personal Liability	$2.5 million (Comprehensive Plan)
🧸 Luggage and Personal Effects	$12,000 (Comprehensive Plan)
🚗 Rental Car Insurance Excess	$10,000 (Comprehensive Plan)

Waiting Periods and Claim Conditions

Certain benefits have waiting periods before cover becomes effective, especially for specific medical conditions or travel disruptions.

Claims can be denied if Required documentation (e.g., police reports, medical certificates) is not provided. The policyholder fails to act responsibly, such as not securing belongings or ignoring medical advice.

Cancellation Policies

NRMA offers a 21-day cooling-off period during which the policy can be canceled for a full refund, but only if no claims have been made and the trip hasn’t started. After the cooling-off period, cancellations might not qualify for refunds unless specified circumstances apply, such as significant policyholder life events.

How Do I Contact NRMA Travel Insurance Customer Support?

NRMA Travel Insurance has a multi-contact framework for assistance with policies, claims, and general inquiries. Here’s a breakdown of the available support options:

Contact Methods

For General Enquiries and Claims Call 132 132 during business hours, typically from 9:00 am to 5:00 pm, Monday to Friday. For Emergency Assistance: For urgent issues while traveling, contact the 24-hour emergency hotline. International toll-free numbers are available, such as:

New Zealand: 0800 284 343
UK: 0800 096 8819
USA: 1866 844 4089

Online Chat is available via the NRMA website during business hours for quick queries or support. Finally, You can email NRMA’s customer service using the website’s contact form or email addresses for specific departments.

Branch Locations

You can visit NRMA branches for face-to-face assistance. Notable locations include, but are not limited to, the following:

🔎 Branch Location	📍 Address	☎️ Phone Number	⏰ Hours of Operation
📉 Sydney CBD	388 George St, Sydney NSW 2000	(02) 8222 2000	Mon–Fri: 9 am – 5 pm
📈 Parramatta	197 Church St, Parramatta NSW 2150	(02) 9891 4244	Mon–Fri: 9 am – 5 pm
📊 Newcastle	426 Hunter St, Newcastle NSW 2300	(02) 4926 1111	Mon–Fri: 9 am – 5 pm
💹 Wollongong	90 Crown St, Wollongong NSW 2500	(02) 4229 6711	Mon–Fri: 9 am – 5 pm
📉 Canberra	64 Northbourne Ave, Canberra ACT 2601	(02) 6208 7300	Mon–Fri: 9 am – 5 pm

Emergency Assistance

Travelers facing emergencies can reach out anytime using the dedicated emergency hotline. Toll-free numbers ensure support is accessible globally, ensuring travelers receive timely help regardless of location.

Customer Reviews and Satisfaction

🥇 Easy and Convenient Purchase for Overseas Trips

I appreciated how easy it was to buy NRMA Travel Insurance for my overseas vacation. I got the insurance two days before departure and received all the documentation via email, so I was ready for my trip. – Agnus

🥈 Reliable Insurance for Solo Female Travelers

Solo female travelers need dependable insurance for peace of mind. NRMA kept me safe and well-cared for during my vacation. – Henry

🥉 Great Customer Service and Coverage

I loved NRMA’s travel insurance. Their customer service was helpful, and the insurance covered my vacation. I will use them again for future journeys. – Mike

How Do I Submit Feedback or Complaints?

If you have feedback or want to log a complaint regarding NRMA Travel Insurance, follow these steps to ensure your concerns are addressed:

Reach out to NRMA Insurance using one of the following:

Phone: Call 13 11 22 to speak directly with a representative.
Email: Send your feedback or complaint to [email protected].
Online Feedback Form: Submit your concerns via the online feedback form available on the NRMA website.
Mail: Address your written feedback to Member Relations Reply Paid 9872 Sydney NSW 2001

If your concern isn’t resolved through initial contact, escalate it to the Customer Relations team:

Phone: Call 13 21 32 and request to speak with Customer Relations.
Email: Forward your complaint to [email protected].
Mail: Send correspondence to: Customer Relations Reply Paid 89824 Sydney NSW 2001

The Customer Relations team will review your case and aim to provide a resolution. If you’re dissatisfied with the outcome from Customer Relations, you can try an external review:

Australian Financial Complaints Authority (AFCA): AFCA offers independent dispute resolution services.

Phone: 1800 931 678
Email: [email protected]
Mail: GPO Box 3, Melbourne VIC 3001
Website: afca.org.au

AFCA provides fair and independent financial services complaint resolution that is free for customers. Before contacting AFCA, resolve your complaint directly with NRMA Insurance because AFCA requires this before accepting a case.

NRMA Travel Insurance Awards and Recognition

NRMA Travel Insurance has earned a few notable awards, including:

One of the most prestigious recognitions is being named “Australia’s Most Trusted Insurance Brand” by Roy Morgan for three consecutive years (2022, 2023, 2024).
NRMA Travel Insurance was recognized by the Mozo Experts Choice Awards in 2024.

Who Should Consider NRMA Travel Insurance?

Frequent Travellers

The Annual Multi-Trip plan is an excellent choice for anyone who travels frequently. It covers unlimited trips within 12 months, with options for 30, 45, or 60 days.

Families

Families benefit from NRMA’s ability to include dependent children under 21 at no additional cost when they travel with a parent, grandparent, or guardian. Policies easily accommodate multiple family members and simplify travel insurance management for family vacations or group trips.

Adventure Enthusiasts

Travelers participating in high-risk activities such as skiing, snowboarding, or motorcycling can add specific cover for these pursuits. The availability of snow sports cover and motorcycle/moped cover makes NRMA a suitable choice for adventure seekers.

Individuals with Pre-existing Conditions

NRMA covers certain pre-existing medical conditions, subject to a health assessment. Conditions that meet eligibility criteria are automatically covered or require an additional premium.

Budget-Conscious Travellers

NRMA offers flexibility with its Essentials and Comprehensive plans, allowing budget-conscious travelers to select a level of coverage that fits their financial constraints.

The Essentials plan covers key areas such as medical expenses and cancellation costs at a lower premium, while the Comprehensive plan offers broader cover for those seeking more extensive protection.

NRMA Travel Insurance vs Tick Travel Insurance vs InsureandGo Travel Insurance – A Comparison

🔎 Provider	🥇 NRMA Travel Insurance	🥈 Tick Travel Insurance	🥉 InsureandGo Travel Insurance
📌 Plan Name	International Comprehensive, International Essentials, Annual Multi-Trip, Domestic Comprehensive, Domestic Cancellation	Single Trip, Domestic, International	One Trip, Domestic, Cruise, Annual Multi-Trip
📍 Premium Range (Trip-Based or Annual)	From $52 per month for Domestic Cancellations to $204 per month for International plans	From $72.49 per month for domestic, $62.51 per month for international	From $65.46 to $338.61, depending on the plan and age
📉 Cover Limits	Unlimited medical expenses for the Comprehensive Plan, up to $10 million for the Essentials Plan	Unlimited medical expenses, up to $20,000 for cancellation, $3 million for personal liability	Medical expenses: Unlimited; Trip cancellation: Up to $5,000; Baggage: Up to $15,000
📈 Key Cover Areas	Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation	Medical expenses, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation	Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation
📊 Exclusions	Pre-existing medical conditions not declared, travel against advice, and some natural disasters	Pre-existing conditions travel against medical advice, high-risk destinations, unlawful acts, influence of alcohol or drugs	Pre-existing medical conditions travel against medical advice, specific high-risk destinations
💹 COVID-19 Cover	Trip cancellations, medical costs, quarantine expenses under specific conditions	Medical expenses, trip cancellation, and quarantine costs related to COVID-19	Cover for trip cancellations, medical expenses, and quarantine related to COVID-19
🩷 Ideal For	Domestic and international travelers, family plans, adventure add-ons	Domestic and international travelers, family plans, adventure add-ons	Families, seniors, frequent travelers, and those on cruises
⚽ Adventure Sports Cover	High-risk activities like skiing, scuba diving, and trekking are available with additional premiums	90+ sports and activities, winter sports cover available as an upgrade	Available with specific upgrades for select high-risk activities
🚨 Emergency Assistance	24/7 emergency hotline, multilingual support	24/7 emergency assistance	24/7 emergency assistance
📲 Digital Access and Mobile App	NRMA app is available for policy management, claims tracking, and payment notifications	No app for travel insurance; an online portal for policy management, claims, etc.	Available for policy management and claims submission
⭐ Special Features	Domestic Cancellation Plan, 24/7 emergency assistance, extensive add-ons and upgrades	Affordable plans, child dependents <18 travel for free, flexible plan options	Customizable cover, quick claims process, natural disaster protection
⏰ Average Claim Settlement Time	10 working days	10-15 working days	10 business days

Pros and Cons

✅ Pros	❌ Cons
Unlimited overseas medical expenses under the Comprehensive Plan	Pre-existing conditions are not covered unless disclosed and approved
Cover for a wide range of travel-related incidents, including COVID-19	Claims related to pandemics and epidemics are excluded unless specified
High personal liability covers up to $2.5 million	Certain high-risk activities like outdoor rock climbing are not covered
Option to include cover for high-risk activities like snow sports	Requires separate policies for children traveling without a parent or guardian
Additional cover options such as cruise and high-value items	Some benefits have waiting periods
24-hour emergency assistance with global reach	Policy amendments are limited once travel has started
Direct billing for significant hospital stays	Premiums increase with additional cover options
Comprehensive Annual Multi-Trip policy for frequent travellers	Cover limits and benefits vary between Essentials and Comprehensive plans

In Conclusion

In our experience, NRMA Travel Insurance has attractive features for any traveler. Key strengths include its comprehensive Annual Multi-Trip options and the availability of a dedicated cancellation plan for domestic travelers.

The native NRMA app for iOS and Android streamlines policy management and claims, while tools like the wild weather tracker enhance travel safety.

Personal liability cover of up to $2.5 million offers strong protection, and physical offices across regions ensure in-person support when needed. NRMA’s recognition through awards and the availability of survey incentives and discounts on new policies add to its appeal.

Despite these benefits, there are areas for improvement. Handling of pre-existing conditions can be restrictive and require a detailed assessment and potential premium adjustments.

The lack of an “Essentials domestic plan limits options for budget travelers. Add-ons for high-risk activities can increase premiums, and digital tools, while useful, could offer more features for improved user experience.

Overall, we believe NRMA Travel Insurance is ideal for travelers who want a flexible, award-winning cover with solid support services. Frequent travelers, families, and anyone who values emergency assistance can consider NRMA.

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Frequently Asked Questions

How can I claim from NRMA Travel Insurance?

Go to the NRMA website, log into the online portal, complete the claim form, and upload supporting documentation.

Does my policy cover dependents?

Yes, dependent children or grandchildren traveling with you are covered for free if they fulfill the age and relationship requirements. Anyone older than 21 will require their policy as an adult, which also means additional premiums.

How is the premium for NRMA Travel Insurance calculated?

Premiums are calculated using trip duration, location, traveler age, and cover selections. Optional additions and pre-existing conditions also affect the overall premium.

Does NRMA Travel Insurance cover adventure activities?

Yes, but standard plans exclude high-risk hobbies like skiing and scuba diving. However, you can apply for add-ons like adventure activities on higher plans.

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